UOB EVOL Card

The Ultimate Digital Lifestyle Card for the Modern Spender

The UOB EVOL Card has undergone a significant refresh in 2026, solidifying its position as the go-to choice for digital natives. By meeting a minimum monthly retail spend of RM1,000, cardholders can now enjoy a substantial 10% cashback on online spend and 5% cashback on e-wallet top-ups. This makes it exceptionally rewarding for everything from e-commerce hauls to daily cashless payments via your favorite digital wallets.

Beyond cashback, the 2026 update introduces a dual-reward system. While you save on digital transactions, you also earn 5X UNIRinggit for every RM1 spent on dining and entertainment (such as cinema tickets or theme parks). This allows users to double-dip on benefits—getting direct savings on their shopping while accumulating points for lifestyle rewards. For other general purchases, the card offers a base 1X UNIRinggit with no minimum spend required.

Flexibility is at the core of the EVOL experience. The card features a 0% Easi-Payment Plan for overseas, travel, and education expenses (between RM1,000 to RM5,000), allowing you to manage large expenditures without interest. Additionally, the RM90 annual fee is incredibly easy to waive—simply perform at least one retail transaction per month to enjoy a monthly fee waiver, making it practically free for active users.

Verdict: With its low income requirement (RM36,000/year) and focus on online/e-wallet habits, the UOB EVOL Card is one of the most practical "daily drivers" for young professionals and digital-savvy Malaysians.